Cost of Living Comparison Between St Francis Bay and Ubud, Bali Cost of Living Comparison Between St Francis Bay and Ubud, Bali

Monthly Cost of Living

Monthly costs for one person with rent: $1,052 in St Francis Bay versus $1,368 in Ubud, Bali.

Estimated couple costs with rent: $1,736 in St Francis Bay versus $2,348 in Ubud, Bali.

Monthly costs for a family of three with rent: $2,421 in St Francis Bay versus $3,327 in Ubud, Bali.

Living in St Francis Bay costs roughly 23% less than in Ubud, Bali, driven mainly by Groceries & Markets.

The two cities straddle the global median: St Francis Bay is 23% below, Ubud, Bali is 0% above.

Meal at Budget Restaurant

$11.21 R 182

$3.44 Rp 61.0K

225.87%

Three-Course Dinner for Two, Mid-Range

$43.44 R 706

$36.31 Rp 644.2K

19.64%

Fast Food Meal (McDonalds, etc)

$3.69 R 59.9

$5.71 Rp 101.2K

-35.38%

Cappuccino

$2.13 R 34.63

$2.67 Rp 47.4K

-20.22%

Coke/Pepsi/Fanta/Sprite (0.33 liter bottle)

$1.10 R 17.81

$1.75 Rp 31.0K

-37.14%

Water (0.33 liter bottle)

$0.79 R 12.85

$0.87 Rp 15.5K

-9.20%

Local Beer (0.5 liter draught)

$2.14 R 34.83

$2.95 Rp 52.4K

-27.46%

Imported Beer (0.33 liter bottle)

$1.86 R 30.23

$4.52 Rp 80.2K

-58.85%

Milk (1 liter)

$0.92 R 14.88

$1.62 Rp 28.7K

-43.21%

White Bread (500g)

$1.08 R 17.56

$2.33 Rp 41.3K

-53.65%

Rice (white) (1kg)

$1.55 R 25.21

$1.11 Rp 19.6K

39.64%

Eggs

$2.87 R 46.62

$2.20 Rp 39.0K

30.45%

Local Cheese (1kg)

$7.56 R 123

$17.69 Rp 313.9K

-57.26%

Chicken Fillets (1kg)

$5.49 R 89.1

$4.10 Rp 72.7K

33.90%

Beef Round Steak (1kg)

$8.90 R 145

$12.18 Rp 216.0K

-26.93%

Apples (1kg)

$2.19 R 35.58

$3.71 Rp 65.8K

-40.97%

Banana (1kg)

$1.60 R 26.03

$1.59 Rp 28.2K

0.63%

Oranges (1kg)

$1.74 R 28.34

$2.28 Rp 40.5K

-23.68%

Tomato (1kg)

$1.80 R 29.24

$1.95 Rp 34.7K

-7.69%

Potato (1kg)

$1.74 R 28.21

$1.91 Rp 33.8K

-8.90%

Onion (1kg)

$1.44 R 23.35

$2.33 Rp 41.4K

-38.20%

Lettuce (1 head)

$1.30 R 21.08

$1.01 Rp 17.9K

28.71%

Water (1.5 liter bottle)

$1.01 R 16.42

$0.55 Rp 9,791

83.64%

Cigarettes 20 Pack (Marlboro, Camel)

$3.28 R 53.2

$2.23 Rp 39.6K

47.09%

Wine (Bottle)

$5.04 R 81.8

$23.07 Rp 409.3K

-78.15%

Local Beer (0.5 liter bottle)

$1.27 R 20.70

$2.42 Rp 42.9K

-47.52%

Imported Beer (0.33 liter bottle)

$1.81 R 29.47

$3.00 Rp 53.2K

-39.67%

One-way Ticket (Public Transport)

$1.59 R 25.79

$0.27 Rp 4,823

488.89%

Public Transport Monthly Pass (Regular Price)

$8.98 Rp 159.4K

Taxi Start (Normal Tariff)

$0.61 R 9.88

$0.48 Rp 8,582

27.08%

Taxi (Normal Tariff) (1km)

$0.51 R 8.33

$0.43 Rp 7,693

18.60%

Taxi 1hour Waiting (Normal Tariff)

$8.50 R 138

$5.64 Rp 100.1K

50.71%

Gasoline (1 liter)

$1.36 R 22.15

$0.80 Rp 14.3K

70.00%

Midsize Hatchback 1.4l (Volkswagen Golf, Toyota Prius, Honda Civic, etc)

$21.1K R 342.6K

$24.9K Rp 442.5M

-15.46%

Compact Sedan 1.6l (Toyota Corolla, Mazda3, Kia K4, Hyundai Elantra, etc)

$35.1K R 570.9K

$31.7K Rp 562.6M

10.82%

Utilities for 2 People in 2-bedroom Apartment (Heating, Electricity, Gas, Water, Garbage) (85m2)

$62.8 R 1,021

$81.5 Rp 1.4M

-22.88%

SIM Card Monthly Plan (Calls and 10GB+ Data)

$35.85 R 582

$6.49 Rp 115.2K

452.39%

Internet (50+ Mbps, Unlimited Data)

$44.63 R 725

$18.77 Rp 333.0K

137.77%

Gym Membership (Monthly)

$33.06 R 537

$56.9 Rp 1.0M

-41.87%

Tennis Court (1 Hour on Weekend)

$12.37 R 201

$18.73 Rp 332.3K

-33.96%

Cinema Ticket

$9.20 R 149

$4.54 Rp 80.5K

102.64%

Preschool or Kindergarten, Full Day, Private, 1 Child (Monthly)

$183 R 2,972

$481 Rp 8.5M

-61.95%

International Primary School, 1 Child (Yearly)

$6,461 R 105.0K

$5,711 Rp 101.3M

13.14%

Jeans (Levis 501 Or Similar)

$73.2 R 1,189

$45.52 Rp 807.5K

60.72%

Summer Dress (H&M, Zara, etc)

$38.76 R 630

$35.88 Rp 636.6K

8.03%

Sport Shoes (Adidas, Nike)

$117 R 1,893

$80.4 Rp 1.4M

44.96%

Men's Leather Business Shoes

$98.1 R 1,593

$78.7 Rp 1.4M

24.65%

1-bedroom Apartment, City Center (Monthly)

$434 R 7,054

$1,115 Rp 19.8M

-61.04%

1-bedroom Apartment, Outside City Center (Monthly)

$368 R 5,982

$698 Rp 12.4M

-47.22%

3-bedroom Apartment, City Center (Monthly)

$815 R 13.2K

$3,637 Rp 64.5M

-77.59%

3-bedroom Apartment, Outside City Center (Monthly)

$788 R 12.8K

$1,737 Rp 30.8M

-54.63%

Buy Apartment in City Center (m2)

$909 R 14.8K

$2,784 Rp 49.4M

-67.34%

Buy Apartment Outside City Center (m2)

$696 R 11.3K

$2,290 Rp 40.6M

-69.58%

Average Monthly Net Salary (After Tax)

$168 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

11.94

13.78

-13.35%

CityCost data is based on AI and user input – minor inaccuracies may occur.

Last update for St Francis Bay: September 13, 2026

Last update for Ubud, Bali: September 14, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $434 in St Francis Bay and $1,115 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Dining out: $43.00 in St Francis Bay vs $36.00 in Ubud, Bali. Groceries flip the comparison at $196 vs $295, with St Francis Bay cheaper for home cooking.

City Median Internet Speeds Comparison (Updated April 2026)

The chart highlights the Precision Threshold for mobile and fixed broadband internet speeds, updated quarterly.

Digital Nomad Cost of Living Index

St Francis Bay vs Ubud, Bali: Cost of Living - Frequently Asked Questions

St Francis Bay and Ubud, Bali differ by about 30% in total monthly costs ($1,052 vs $1,368 including rent). St Francis Bay is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

You'd need roughly $1,578 in St Francis Bay and $2,052 in Ubud, Bali to live well. The gap comes down to housing and overall price levels. Both cities are liveable on less, but these numbers represent actual comfort.

Rent for a central apartment: $434 in St Francis Bay versus $1,115 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $183 in St Francis Bay versus $481 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Dining out is cheaper in St Francis Bay – a meal for two runs $43.00 versus $36.00 in Ubud, Bali. If you eat out regularly, this makes a real dent in your monthly spending.

At $1,052 in St Francis Bay versus $1,368 in Ubud, Bali, a $2,000 budget is realistic in St Francis Bay but tight or insufficient in Ubud, Bali. The gap between the two cities makes St Francis Bay the clear choice for anyone on this budget.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.

Safety-wise, St Francis Bay and Ubud, Bali are on par. Petty crime is typical for cities this size, and most residents feel comfortable going about their daily routines in either place.

Expats usually find St Francis Bay gentler on the wallet – expenses run 30% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.